Intro – A+ Federal Credit Union Reviews & Ranking
A+ Federal Credit Union was recently ranked and reviewed by AdvisoryHQ as a top rated credit union. Firms on our top rated lists were selected after they successfully passed AdvisoryHQ’s groundbreaking, four-step banks and credit unions selection methodology.
Click here for a step-by-step breakdown of the methodology and selection process used during our A+ Federal Credit Union review: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.
The A+ Federal Credit Union review below provides a detailed assessment, including some of the factors used by AdvisoryHQ News in its ranking and selection.
A+ Federal Credit Union Review
Founded by teachers in 1949, A+ Federal Credit Union started as a way for colleagues to become stewards of each other’s financial futures. This spirit of helping your neighbor blossomed and today, A+ FCU is one of the largest credit unions in the state of Texas.
Although this top credit union began over 70 years ago, they’ve kept up with the times and offer multiple modern baking services, such as online and mobile banking.
Best Credit Unions in 2020-2021
They offer a full range of individual and business banking services that include standard checking and savings accounts, loans, and even insurance products making it an excellent full-service credit union for multiple financial needs.
Related: Top Credit Unions in Houston, TX
Key Factors Leading Us to Rank A+ Federal Credit Union as One of Top Credit Unions in 2020-2021
Upon completing our detailed reviews, A+ Federal Credit Union was included in AdvisoryHQ’s ranking of the 2020-2021 best credit unions based on the following factors.
A+ FCU Review: Cash-Back Checking
The primary checking account available from A+FCU is called Cash-Back Checking, and it’s designed for members who use their debit cards often and would like to earn cash back on every single purchase.
There is no monthly fee and the account costs $0 to open. Features, such as online and mobile banking, mobile check deposit, and e-statements are all free.
This account includes cashback on debit card purchases, including 10 cents for signature-based purchases and 5 cents for PIN-based purchases. You get credit every time an associated debit card is swiped and signed or when using an A+FCU-linked mobile wallet.
Another checking account option available from A+FCU is the basic A+ Checking, which does have a small monthly maintenance fee, but this is waived if the balance is $500 or higher.
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A+ FCU Review: Investments
Along with standard deposit accounts, A+ offers a variety of investment opportunities so members can save for their financial goals for the future.
There are investment professionals employed by A+FCU who can provide guidance and help members develop a balanced portfolio with strong returns.
Some of the investment products and services available through A+ include:
- Retirement – IRAs
- Financial planning
- Asset allocation plans
- College funding
- Investments, mutual funds, bonds, and annuities
- Portfolio management
- Legacy & estate planning
A+ FCU Review: Home Loans
A+ offers a full lineup of lending products. These include personal loans, auto loans, education loans, lines of credit, and credit cards.
For borrowers who want an excellent home loan opportunity, mortgages from A+FCU include the following benefits:
- Options include fixed, adjustable, government, and special loans and programs
- Rates are low
- Financing is flexible
- Home loans can be used to make a purchase, but they can also be used for refinancing
Fixed-rate mortgages are ideal for those buyers who want to stay in their home for many years. This top credit union is currently offering rates as low as 3.250%.
Fixed-rate mortgages can also be used for not just primary residences but also vacation and second homes and investment properties.
An adjustable-rate mortgage is excellent for homeowners that don’t plan to stay in their homes for many years, and it offers lower initial interest rates as well as a maximum interest rate cap.
See Also: Top Credit Unions in Texas (Statewide)
Rating Summary
A+ Federal Credit Union offers multiple services that you won’t always find at other top credit unions or even banks. With insurance products and investment services alongside their banking offerings, they make a “one-stop-shop” for all your financial needs.
This top credit union is also very invested in the local community and even offers debit cards that give cashback to local schools with each transaction.
With a history of being dedicated to the financial success of its members and attractive checking accounts and investment products, A+ Federal Credit Union earns a 5-star rating as one of the top credit unions to consider.
In addition to reviewing the above A+ Federal Credit Union review, you can click on any of the links below to browse exclusive reviews of AdvisoryHQ’s top credit unions:
Image Sources:
- https://aplusfcu.org/
AdvisoryHQ (AHQ) Disclaimer: Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info. Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.
